| |
| |
|
Debt Relief Information |
|
|
|
Should You Join a CCCS - Consumer Credit Counseling Service for Debt Relief and Financial Freedom?
Do You Need to Join a CCCS - Consumer Credit Counseling Service? Are you in a "debt hell"? If you are unsure, ask yourself these questions: Believe me, I know what you are going through. I was in this situation. I had recently moved from a large metropolitan area with decent pay, to a smaller area where the cost of living was almost just as high, and had to take almost a $20K paycut. On top of that, I just had a baby and was a single-mom to boot. I had to "live", and with a $20K cut, it didn't leave me with a choice (or so I thought) other than to not pay bills and get the things I needed (baby formula, diapers, etc.). Let me tell you, I was depressed. I didn't open my bills for months at a time. The phone would ring every morning staring from 8 am and continued until 9 pm at night. Bill collectors would call me at work and leave messages with their "800" numbers with co-workers if I wasn't there. It was so embarrassing. I went on like this for about a year before I finally decided to find that I had to do something. I had seen ads on TV for debt consolidation and consumer credit counselor services "CCCS" offering freedom from financial worries and the opportunity to gain your life and dignity back, but for some reason, didn't take the plunge. One day I was talking with a friend and they told me how they had joined Consumer Credit Counseling Services (CCCS) and they were very relieved and financially stress free. CCCS was able to contact all of the creditors that they had credit card balances with and was able to either reduce their credit card interest to interest rates that were one digit and in some cases down to 0% interest! Consumer Credit Counseling Services was also able to eliminate most of their late fees and over the credit limit fees so that when they made payments, it went directly to their credit card balances and helped them pay it off their debt quicker. All of this information was exciting and sounded very promising to me, and now I had someone that I knew telling me how it worked for them, so it became much more realistic. I searched the yellow pages for the credit counseling agencies and the found my local branch of Consumer Credit Counseling Services. I called them up, made an appointment and went in. I was assigned a counselor and met with her for about an hour. When I walked out, I had a huge sense of relief. I was setup with a plan of action for how my debt was going to be blasted away. I was assured that the annoying and harassing debt collection phone calls were going to cease. I was only going to have to concern myself with making one payment to my local CCCS office, and they would take care of the hassle of sending all of the credit card payments out to my other creditors. In two years, I was going to be debt free. If you are in a similar situation, I urge you to look into consumer credit counseling services. They can get you back on track, reduce your stress, improve life for you and your family and change your life overall for the better. Christina Khan has experienced first hand the benefits of joining a consumer credit counseling service organization. She runs a consumer credit counseling service CCCS blog where she and others can share their experiences and offer advice on consumer credit counseling services. You can find her credit counseling debt relief blog at cccs-credit-counseling.blogspot.com.
MORE RESOURCES:
debt relief - Google News |
|
|
|
RELATED ARTICLES
Debt Elimination Is The Key to Financial Freedom If you want financial freedom, the first thing that you will need to do is to get rid of your debts. After all, as long as you owe money, you can't consider yourself to be financially free. Take Careful Consideration Before Filing Bankruptcy Filing bankruptcy is not fun! It is a last resort if you are interested in keeping an active and acceptable credit report. Bankruptcy is the condition of bringing all your assets and deficiencies into an insolvent state. How to Get Triple A Credit in 25 Days Good credit is everyone's dream. A wise use of credit can go a long way. Bankruptcy - The New Scarlet Letter Nathaniel Hawthorne's book The Scarlet Letter states in Chapter 2, "On the breast of her gown, in fine red cloth, surrounded with an elaborate embroidery and fantastic flourishes of gold thread, appeared the letter A." The letter A stood for the word adulterer and represented one of the worst insults in society. Bankruptcy Abuse Bankruptcy is little more than a smack on the hand these days. Creditors are certainly not going to look at you as a wise credit risk after bankruptcy, but that will probably not stop them from extending credit to you anyways. Credit Repair - Understanding The Basics What is Credit?Credit means that you are using someone else's money to pay for things. It also means that you are making a promise to repay the money to the person or company that loaned you the money. Debt Free and Carefree Are you still clearing a mountain of debt amassed last Christmas or even during last year's summer holiday?For those of you who make financial plans, who budget and save, you can skip this article. For those who get a little carried away, who regularly spend more than they can afford, this article is for you. What is Debt Settlement? Debt settlement is the process of negotiating with your creditors so that you are able to pay off a certain percentage of the debt amount that you owe. A debt settlement company will use different types of strategies to negotiate with your creditors so that you get the best outcome. Turning Bad Debts into Good Debts through Investing Fundamentals If you've ever earned enough money to put some aside, like most people you've probably invested it with an eye toward security - since, perhaps, you can't imagine yourself ever getting rich."Most people dream of becoming rich, but it isn't their first choice," Rich Dad said. Bankruptcy: What You Need to Know Personal bankruptcy is a legal way to give people with overwhelming debt a fresh financial start. Many people do not realize that there are five types of bankruptcy options available under the U. Assess Your Financial Attitude and Eliminate Your Debt Forever Want to know if your attitude towards your finances is helping you or damaging your future? Take this Quiz and find out.. Repair Bad Credit Yourself In March 2005, the U.S. Bouncing Back from a CCJ Should you be unfortunate enough to face a CCJ - but subsequently succeed in having it either set aside or reversed - the court will automatically remove the entry from the Register of County Court Judgments.The court must send notification of cancellation to the Registry Trust within three days of the date of the order. Debt Reduction, a Necessary Endeavour Massive debt is something many Americans face. Debt reduction is now becoming more and more of a necessity. How to Reduce Your Debt in 5 Easy Steps If you have incurred substantial personal debt, consider these options: budgeting, debt consolidation, credit counselling from a reputable organization and working with your creditors. You will need to choose a debt reduction method that will work best for you? The method you use will depend on your level of debt, how much spare money you have, your level of discipline, and how quickly you want to get out of debt. Debt and Your Dreams You may not realize what that credit card bill is doing to you?Bob is a 27 year old truck driver. He dropped out of college after one year and got a job. The Credit Card Debt Termination Scam "Legally terminate credit card debt! You can be debt-free in 4-6 months!" Advertisements like this are for a new type of program that has spread via the Internet over the past few years. It's called "Credit Card Debt Termination," and victims are paying $1,000s for this bogus service. Bankruptcy Your Best Bet? Filing bankruptcy is a common practice among the U.S. Taking The Plunge Into Bankruptcy Bankruptcy is one of the most difficult things a person has to do. The decision to file bankruptcy is a hard one. How to Avoid Bankruptcy Bankruptcy is a legal way to offer folks with high interest debt a fresh financial start in life. In case you are considering personal bankruptcy as an answer to your debt problems, you are not alone.
|
| home | site map |
| © 2006 |
 |
|
|
|
 |
|
||||
|
||||
|
